Inconvenient Discussion with a Legitimate Cardholder
Assignment ID Number AFFGEHU83939HD Type of Document Essay Writing Format APA/MLA/Harvard Academic Level Masters/University References/Sources 4 References
When a sales clerk at a Berlin department store refused to accept her credit card, travel writer Blair Rhines was perplexed. Your credit card is not being accepted, the clerk apologized. I’m not sure why. Rhines soon discovered the truth. Her account had been frozen by her bank due to a “unusual” spending history. What is the issue? A bank official told her, “We’ve never had a charge from you in Germany before.” The bank didn’t appear to recall that Rhines had used the card without difficulty in cities ranging from Boston to Tokyo to Cape Town over the previous six years.
Rhines fell prey to neural-network technology, a mechanism designed to safeguard credit cardholders from criminals who take cards and use them to make large purchases right away. This technology keeps track of your buying habits. It puts up a warning if it detects anything strange, such as a sudden expenditure on easy-to-fence items like jewelry. The system is geared toward not refusing any travel and entertainment costs, such as hotels, restaurants, or car rentals, according to Alan Rochester, senior vice president of fraud management at Conroy Credit Card Services. However, it made a mistake and failed to register Blair Rhines as a traveler, despite the fact that she had used her card to hire a car in Berlin earlier, indicating that she was on her way.
Rhines was a false positive in the credit card industry, meaning he was a real cardholder who was inconvenienced by the fraudsters’ investigation. What enraged her the most was learning that 75% of the transactions detected by the neural network were valid. Credit card firms, on the other hand, have had tremendous success with the technology. Visa’s fraud rate has fallen from 15 cents per $100 to 6 cents per $100 after it began using the service. When the company suspects fraud, it does not automatically suspend a card to prevent inconveniencing cardholders. Instead, it calls the cardholder to confirm the purchases. Traveling cardholders, of course, are impossible to approach.
Rhines wrote a letter to Visa, asking a written explanation for the inconvenience and embarrassment she had suffered.
It’s your job. As an assistant to Visa’s vice president of fraud detection, you’ve been tasked with drafting a letter that can be used to react to Blair Rhines and other disgruntled consumers whose cards were incorrectly declined by your program. You already know that the program was a huge success. However, it might be inconvenient for people, especially when traveling. You’ve heard from your boss that it’s a good idea to call the bank before leaving and bring the card’s customer support number with you (1-800-553-0321). Create a letter that explains what happened, maintains the customer’s goodwill, and offers reader benefits. Ms. Blair Rhines, 68 Riverside Drive, Apt. 35, New York, NY 10025, is the recipient of your mail.
QUALITY OF RESPONSE NO RESPONSE POOR / UNSATISFACTORY SATISFACTORY GOOD EXCELLENT Content (worth a maximum of 50% of the total points) Zero points: Student failed to submit the final paper. 20 points out of 50: The essay illustrates poor understanding of the relevant material by failing to address or incorrectly addressing the relevant content; failing to identify or inaccurately explaining/defining key concepts/ideas; ignoring or incorrectly explaining key points/claims and the reasoning behind them; and/or incorrectly or inappropriately using terminology; and elements of the response are lacking. 30 points out of 50: The essay illustrates a rudimentary understanding of the relevant material by mentioning but not full explaining the relevant content; identifying some of the key concepts/ideas though failing to fully or accurately explain many of them; using terminology, though sometimes inaccurately or inappropriately; and/or incorporating some key claims/points but failing to explain the reasoning behind them or doing so inaccurately. Elements of the required response may also be lacking. 40 points out of 50: The essay illustrates solid understanding of the relevant material by correctly addressing most of the relevant content; identifying and explaining most of the key concepts/ideas; using correct terminology; explaining the reasoning behind most of the key points/claims; and/or where necessary or useful, substantiating some points with accurate examples. The answer is complete. 50 points: The essay illustrates exemplary understanding of the relevant material by thoroughly and correctly addressing the relevant content; identifying and explaining all of the key concepts/ideas; using correct terminology explaining the reasoning behind key points/claims and substantiating, as necessary/useful, points with several accurate and illuminating examples. No aspects of the required answer are missing. Use of Sources (worth a maximum of 20% of the total points). Zero points: Student failed to include citations and/or references. Or the student failed to submit a final paper. 5 out 20 points: Sources are seldom cited to support statements and/or format of citations are not recognizable as APA 6th Edition format. There are major errors in the formation of the references and citations. And/or there is a major reliance on highly questionable. The Student fails to provide an adequate synthesis of research collected for the paper. 10 out 20 points: References to scholarly sources are occasionally given; many statements seem unsubstantiated. Frequent errors in APA 6th Edition format, leaving the reader confused about the source of the information. There are significant errors of the formation in the references and citations. And/or there is a significant use of highly questionable sources. 15 out 20 points: Credible Scholarly sources are used effectively support claims and are, for the most part, clear and fairly represented. APA 6th Edition is used with only a few minor errors. There are minor errors in reference and/or citations. And/or there is some use of questionable sources. 20 points: Credible scholarly sources are used to give compelling evidence to support claims and are clearly and fairly represented. APA 6th Edition format is used accurately and consistently. The student uses above the maximum required references in the development of the assignment. Grammar (worth maximum of 20% of total points) Zero points: Student failed to submit the final paper. 5 points out of 20: The paper does not communicate ideas/points clearly due to inappropriate use of terminology and vague language; thoughts and sentences are disjointed or incomprehensible; organization lacking; and/or numerous grammatical, spelling/punctuation errors 10 points out 20: The paper is often unclear and difficult to follow due to some inappropriate terminology and/or vague language; ideas may be fragmented, wandering and/or repetitive; poor organization; and/or some grammatical, spelling, punctuation errors 15 points out of 20: The paper is mostly clear as a result of appropriate use of terminology and minimal vagueness; no tangents and no repetition; fairly good organization; almost perfect grammar, spelling, punctuation, and word usage. 20 points: The paper is clear, concise, and a pleasure to read as a result of appropriate and precise use of terminology; total coherence of thoughts and presentation and logical organization; and the essay is error free. Structure of the Paper (worth 10% of total points) Zero points: Student failed to submit the final paper. 3 points out of 10: Student needs to develop better formatting skills. The paper omits significant structural elements required for and APA 6th edition paper. Formatting of the paper has major flaws. The paper does not conform to APA 6th edition requirements whatsoever. 5 points out of 10: Appearance of final paper demonstrates the student’s limited ability to format the paper. There are significant errors in formatting and/or the total omission of major components of an APA 6th edition paper. They can include the omission of the cover page, abstract, and page numbers. Additionally the page has major formatting issues with spacing or paragraph formation. Font size might not conform to size requirements. The student also significantly writes too large or too short of and paper 7 points out of 10: Research paper presents an above-average use of formatting skills. The paper has slight errors within the paper. This can include small errors or omissions with the cover page, abstract, page number, and headers. There could be also slight formatting issues with the document spacing or the font Additionally the paper might slightly exceed or undershoot the specific number of required written pages for the assignment. 10 points: Student provides a high-caliber, formatted paper. This includes an APA 6th edition cover page, abstract, page number, headers and is double spaced in 12’ Times Roman Font. Additionally, the paper conforms to the specific number of required written pages and neither goes over or under the specified length of the paper.
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